Compare Life Insurance Quotes

Privacy Policy

1. Introduction & Commitment to Data Protection

At Smart Life Cover Limited ("Smart Cover," "we," "us," or "our"), we take your privacy seriously. We are committed to protecting your personal data in full compliance with the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, and other applicable privacy laws.

As a leading life insurance broker based in the United Kingdom, we provide free, no-obligation services to help you find the right life insurance policy. Our services are offered through two distinct channels to accommodate different customer needs:

Non-Advised Service – A guided service where our agents provide you with policy information and quotes, helping you make an informed decision without formal recommendations.
Advised Service – A fully supported service where our qualified advisers assess your personal and financial circumstances to recommend the most suitable policies for your needs.

This Privacy Policy explains in detail:

What personal data we collect.
How and why we use it.
Who we may share it with.
How we protect your data.
Your legal rights regarding your personal information.

By using our services, you acknowledge that you have read and understood this policy.

2. Detailed Breakdown of the Information We Collect

We collect personal data in several ways, depending on your interaction with us.

A. Information You Provide Directly

When you request a quote, apply for a policy, or contact our team, we may ask for:

Basic personal details (name, date of birth, contact information).
Financial and employment information (income, occupation).
Health and lifestyle data (smoker status, medical history) – This is classified as special category data under GDPR, meaning we handle it with extra care.

Why we need this:

To provide accurate insurance quotes.
To assess eligibility for policies.
To comply with financial regulations.

B. Automatically Collected Data (Website & Digital Interactions)

When you visit our website, we may gather:

Technical information (IP address, device type, browser version).
Usage data (pages visited, time spent, click patterns).
Location data (city-level approximation for service optimization).

Why we collect this:

To improve website performance and user experience.
For security monitoring and fraud prevention.
To analyze trends and enhance our marketing strategies.

Cookies & Tracking Technologies:
We use cookies and similar technologies to facilitate these processes. For more details, see our Cookie Policy.

C. Information from Third Parties

Occasionally, we may receive data from:

Family members or partners (if they assist with your application, with your consent).
Insurance partners (e.g., if you request a quote through another provider, they may share your details with us to facilitate a policy).

3. How We Use Your Personal Data

We process your information for the following lawful purposes:

Primary Uses (Necessary for Service Delivery)

Purpose	Legal Basis	Example
Providing insurance quotes & policy administration	Contractual necessity	Calculating premiums based on your health data.
Fraud prevention & regulatory compliance	Legal obligation	Verifying identity to prevent financial crime.
Improving our services & website	Legitimate interest	Analyzing user behavior to enhance functionality.

Secondary Uses (With Your Consent Where Required)

Marketing communications (e.g., newsletters, policy review reminders).
Sharing anonymized data for market research.

Automated Decision-Making by Insurers:
When you apply for a policy, insurers may use automated underwriting systems to assess risk. You have the right to request human intervention or contest decisions—details will be provided by the insurer.

4. Data Security & Storage Practices

We implement robust technical and organizational measures to protect your data, including:

Encryption (for data in transit and at rest).
Secure servers hosted in the UK/EEA with strict access controls.
Regular security audits to ensure compliance with ISO 27001 and other standards.

Data Retention Periods:

Active policyholders: 6 years after policy termination/expiry/claim.
Quote requests (no policy): 18 months.
Regulatory requirements (FCA): 6 years for advised services.

5. Your Legal Rights & How to Exercise Them

Under GDPR, you have the right to:

Access – Request a copy of your data.
Rectification – Correct inaccurate information.
Erasure – Ask for deletion (where applicable).
Restriction/Objection – Limit or dispute processing.
Portability – Obtain your data in a reusable format.
Withdraw Consent – Opt out of marketing anytime.

To exercise these rights:
📧 Email: care@SmartLifeCoverLtd.co.uk
📞 Phone: 0113 487 4230

6. Third-Party Data Sharing

We only share data where necessary with:

Insurance providers (to obtain quotes/process applications).
Regulators (e.g., FCA for compliance).
Service providers (IT, legal, and financial partners under strict confidentiality agreements).

We never sell your data to third-party marketers.

7. Marketing & Ongoing Communications

Policy review reminders (every few years unless you opt out).
Newsletters (track open/click rates for relevance; unsubscribe anytime).

8. How to Contact Us or Lodge a Complaint

Data Controller:
Smart Life Cover Limited (ICO Registration: ZA856275)

Postal Address:
The Data Protection Officer
Smart Life Cover Limited
Unit 3 Ibex House 2a Leytonstone Road
Stratford, London
England E15 1SE

Supervisory Authority:
For unresolved concerns, you may contact the UK Information Commissioner’s Office (ICO).

9. Policy Updates & Notification of Changes

We may periodically update this policy. Significant changes will be communicated via:

Website notices.
Email alerts (where appropriate).

Last Updated: 03rd January 2025

Please click the below link to get your life insurance quote.

Quote Me Now